Rate checked November 8, 2026 (today)
Bread Savings 6-month CD rate: 4.05% APY
Bread Savings's 6-month CD pays 4.05% APY. That ranks 16th of the 61 banks we track for this term. The best is 4.40% at BTG Pactual Bank.
- APY
- 4.05%
- Last change
- Up 0.05 pts
- Oct 10, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.05%, $25,000 earns about $1,013 in the first year.
The best 6-month CD earns about $1,100 on the same money. Choosing Bread Savings instead gives up about $87 a year.
The middle 6-month rate across 61 banks is 3.75%. Figures are first-year interest at the quoted APY, before taxes.
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Bread Savings 6-month CD rate over time
- All-time high
- 4.05%Oct 10, 2026
- All-time low
- 4.00%Aug 4, 2026
- Changes
- 1
- Tracked since
- Aug 4, 2026
High and low cover the history we hold (the last two years at most), not the whole life of the account.
Bread Savings 6-month CD rate history
This rate has changed 1 time since we began tracking it on August 4, 2026.
| Date | APY | Change |
|---|---|---|
| October 10, 2026 | 4.05% | +0.05 pts |
| August 4, 2026 | 4.00% | First tracked |
Banks that pay more for a 6-month CD
- BTG Pactual Bank4.40%
- LendingClub4.40%
- Merrick Bank4.40%
Bread Savings CD rates for other terms
Other Bread Savings rates
Questions
What is Bread Savings's 6-month CD rate?
Bread Savings pays 4.05% APY on its 6-month CD, based on its own rate page when we last checked. That earns about $1,013 a year on $25,000.
Is Bread Savings's 6-month CD rate good?
It ranks 16th of the 61 banks we track for this term. The best rate for this term is 4.40% at BTG Pactual Bank, and the middle rate is 3.75%. Choosing Bread Savings over the best costs about $87 a year on $25,000.
Which banks pay more than Bread Savings on a 6-month CD?
BTG Pactual Bank (4.40%), LendingClub (4.40%), Merrick Bank (4.40%).
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